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HDFC Bank Millennia Debit Card & It's Benefits ❤️🔥

D₹V

TF Prestige
Charges: 500 + GST.

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Benefits:
• 5% cashback on PayZapp or Smartbuy
• 2.5% cashback on shopping i.e. on Flipkart, Amazon etc
• 1% on other transactions i.e. wallet loads, credit card payments etc
• Total rewards is capped at 400 RP/month
• Bonus - 5% cashback upto 1000 on Gift Vouchers purchase via Smartbuy per month. P.s. Smartbuy has introduced 2.5% & 3.25% + GST on ASV & AGV respectively.
• Cashback will be credited in 4 month after the transaction (i.e. 90 days), you can redeem via HDFC netbanking.
• You can get rewards worth ₹16,800 annually.

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How to milk the benefits?

• If you use it on smartbuy only then 5% upto 400 (card benefits) + 5% upto 1000 (smartbuy bonus), total 1400 RP/month you'll be getting. Since Smartbuy charging convenience fees on AGV & ASV, better to buy Flipkart GV without convenience fee on smartbuy.
• For example, if you buy Flipkart GV worth 8k via Smartbuy with Millennia DC, you'll get 400 + 400 = 800 cashback, meaning 10% cashback on Flipkart GV.
• In another example, if you buy worth 20k, you'll get 1400 cashback, meaning 7% cashback on Flipkart GV. So buy accordingly as per your needs.
• If you use Millennia DC for 40k CC Payments worth 40k via Mobikwik, Paytm etc only, then 1% upto 400 cap will be over & you'll get 5% cashback upto 1000 if you purchase any GV via Smartbuy now.

Hope you've understood the benefits & enjoy the rewards ❤️. Ask if any query.
 
Let us know

What is conclusion after deciding
As I am thinking of opening second account in HDFC for extra millennia cards

Preferably in different branch
LOL. Will update after discussion 🤠

Edit- saw just now on TF home page -> Profile posts -> Millennia and Easyshop platinum DC loop hole on HDFC Billpay patched or soon going to be patched. Thanks to some show-off guy tagging HDFC about this loophole. So will wait for some time before opening another account 😟
 
Last edited:
LOL. Will update after discussion 🤠

Edit- saw just now on TF home page -> Profile posts -> Millennia and Easyshop platinum DC loop hole on HDFC Billpay patched or soon going to be patched. Thanks to some show-off guy tagging HDFC about this loophole. So will wait for some time before opening another account 😟
Yaar Aisa mat bolo, I opened the account only for this purpose.
 
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